Laws & Regulations

National banks and federal savings associations are among the most highly regulated institutions in the country, with many laws and regulations that govern their activities.

Laws & Regulations

National banks and federal savings associations are among the most highly regulated institutions in the country, with many laws and regulations that govern their activities.

Laws & Regulations

National banks and federal savings associations are among the most highly regulated institutions in the country, with many laws and regulations that govern their activities.

Laws & Regulations Overview

The OCC is the primary regulator of banks chartered under the National Bank Act (12 USC 1 et seq.) and federal savings associations chartered under the Home Owners' Loan Act of 1933 (12 USC 1461 et seq.). The OCC's regulations, derived from these acts, are in title 12 of the Code of Federal Regulations, "Banks and Banking" (12 CFR 1–199).

The OCC may take enforcement actions for violations of laws, rules or regulations, final orders or conditions imposed in writing; unsafe or unsound practices; and breach of fiduciary duty by institution-affiliated parties.

News Release Jul 23, 2019

Bulletin Jul 22, 2019

Enforcement Actions

The OCC may take enforcement actions against financial institutions (or affiliated individuals) for violations of laws, rules or regulations, final orders or conditions imposed in writing; or unsafe or unsound practices. Learn more about this topic in the Enforcement Actions section.